Mainly I use TC for search (local disks and FS-plugins only), navigation and viewing files using Lister. I very rarely use MRT, BTM, FTP transfer and directory synchronization.
Below is examples of my usual work with TC when I observed exceptions.
1. Often I have to search through 200-300 thousand files using text or plugin search. If search takes more then 5-7 minutes (coffee and/or cigarette break

2. Often I have 7-8 Listers at the same time. In all Lister windows I many times press 4 button to see the same file with different plugins. When I finished to look at files I need to close all Lister windows. If I close them one-by-one - everything Ok. But if I close TC - sometime exception occured.
3. I have my own plugin to automatically switch view when TC enters into specific directories. Yes, I know - API doesn't intended for such plugins, but it is not important now. This plugin just send cm_SrcCustomViewXX command via WM_USER+51 message to TC. Sometime exception occures when I quick switch between two directories and for each directiory my plugin send different cm_SrcCustomViewXX commands.
May be another point is also interesting for you: during last month at least twice after exception in TC I've seen an empty(!) wincmd.ini file.
I would like to accent - please, don't see this as bug-report, don't waste your time. I can live with this. If I'll find some specific scenario - of course I'll send it to you.